How does it work when you need to pay for something in person? (what contactless is for)

mcv 5 hours ago | parent | next [-]

That's what you use contactless for. Different systems have different purposes. Although people have also been known to use Tikkie or other payment request systems for in-person payments. Backed by iDeal, or now Wero.

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jeroenhd 4 hours ago | parent | prev | next [-]

In some countries there is a payment system that works by generating QR codes at checkout and scanning those with your phone. I don't know if Wero intends to also support those, but it could make for a direct integration into live checkout.

I think the Digital Euro initiative is closer to replacing contactless payments than Wero is, but it'll depend on the country I think.

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mcv 4 hours ago | parent | next [-]

iDeal supports scanning of QR codes, so I assume Wero does too.

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mytailorisrich 4 hours ago | parent | prev [-]

IMHO, QR codes are a big step back from contactless and appeared in countries that didn't have widespread card adoption (e.g. China),

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maxglute an hour ago | parent | next [-]

QR codes also decouples merchants from POS systems, so it's massively more flexible and step forward if people want to do stuff and get paid. Contactless payment is faster, but PRC also rolling out palm to pay which is much faster/convenient vs tap. IMO optimal coverage is probably QR codes and skipping tapping straight for palm scanning.

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jeroenhd 2 hours ago | parent | prev | next [-]

I don't think it's as big of an issue. China seems to be doing just fine when it comes to payment processing, and it's not the only country that works that way.

From a software freedom perspective, I actually prefer QR codes. The UX of tapping a card is a little better (though it also opens up an avenue for theft) but I think every phone I've held the past ten years has had some way to quickly scan a QR code from the lock screen, even if not every phone made the possibility obvious.

	▲	SideburnsOfDoom 2 hours ago \| parent \| next [-]
		Yes. Physical cards are probably going away or becoming unusual in the medium term. A "credit card" or "debit card" will still exist, but not usually as a physical piece of plastic. Instead of tapping or swiping the card, you tap the phone or watch, or scan a QR on your phone and then confirm in the bank app. Both ways seem to have similar useability to me, and an equivalent result. I've done both in different countries, and neither really bothered me. Yes, the tap method has higher potential for petty theft.
	▲	mytailorisrich 2 hours ago \| parent \| prev [-]
		But why would we want to take a step back when we have contactless right now? This makes little sense... It is worse UX and does not work (I think) for quick things like taking the bus or underground. Again, China has what is has because people had phones but no payment cards, and they don't have "software freedom" either (whatever that means): They are fully bound to the two providers (Alipay and WeChat) which provide accounts to a point now that is much worse that my dependency or Visa or Mastercard here in Europe because most places now do not accept anything else. What would make sense is for the likes of Wero to find a way to support contactless so people can just tap exactly as they do now. As said by another commenter, this does not require a physical card (and already exists with Apple Pay and Google Pay). Frankly, Wero is a solution looking for a problem at this point in time...

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mcv 3 hours ago | parent | prev [-]

QR codes aren't a replacement for contactless. Contactless will stay, although unfortunately Dutch banks have recently discontinued their own contactless payment system and moved to Google Pay, which was a terrible decision.

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mytailorisrich 3 hours ago | parent [-]

I guess the point is: Why would you bother with QR codes if you have contactless?

	▲	mcv 3 hours ago \| parent [-]
		I still don't think contactless works across the internet.

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trashb 5 hours ago | parent | prev | next [-]

You use your bank card or contact less payment from your bank app.

Optionally you scan or get send a payment request, and pay through Wero.

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lxgr 4 hours ago | parent | prev [-]

QR codes for now, unfortunately.